The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,662
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$495/mo
Today · 4.125%
HK$16,644
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,288/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,424
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$474/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,333
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,794
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$594/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,188
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,908
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$569/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$664/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,066
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$891/mo
Today · 4.125%
HK$29,959
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,823/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,918/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,362
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$854/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$34,799
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,053 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).